SolutionRetirement FundDirect · Growth
HDFC Retirement Savings Fund - Equity Plan - Growth Option - Direct Plan
HDFC · Scheme 136094
₹56.08▼ 0.42%NAV · 2026-09-18
Decent FundScore
AUM
₹6,832 cr
Expense ratio
0.94%
3Y CAGR
11.1%
Risk level
High
Min SIP
₹100
Benchmark
Nifty 500 TRI
Fund manager: Shobhit Mehrotra, Chirag Setalvad, Rakesh VyasExit load: Nil
Decent · 63/100
A solid option with a few areas worth a closer look.
🎯 A dependable core holding for long-term SIP investors.
📈 Why it could do well
- ✓Very consistent — delivers dependably across market cycles, ideal for SIPs.
- ✓5Y CAGR: +13.7%
- ✓Positive 3Y windows: 98% of rolling 3Y windows positive
📉 What could drag it down
- •Down 1.9% over the last year — currently out of favour.
- •1Y return: -1.9%
- •1Y return vs category: -6.0% vs category avg
FundScore breakdown
63/100 · Decent
Returns
Decent
Consistency
Excellent
Risk-adjusted
Average
Downside protection
Average
Cost efficiency
Strong
Portfolio quality
Average
Each dial rates the fund 0–100 on one factor, computed from real NAV history. Fuller & greener = stronger.
SIP return calculator
Back-tested on this fund's actual historical NAVs. Past performance ≠ future returns.